The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 214 1,336 SH   SOLE   0 0 1,336
ABBOTT LABS COM 002824100 1,573 14,456 SH   SOLE   0 0 14,456
ABBVIE INC COM 00287Y109 1,478 16,878 SH   SOLE   0 0 16,878
ALPHABET INC CAP STK CL A 02079K305 446 304 SH   SOLE   0 0 304
ALPHABET INC CAP STK CL C 02079K107 419 285 SH   SOLE   0 0 285
AMAZON COM INC COM 023135106 2,056 653 SH   SOLE   0 0 653
AMEREN CORP COM 023608102 625 7,903 SH   SOLE   0 0 7,903
AMGEN INC COM 031162100 373 1,469 SH   SOLE   0 0 1,469
APPLE INC COM 037833100 6,837 59,037 SH   SOLE   0 0 59,037
AT&T INC COM 00206R102 311 10,894 SH   SOLE   0 0 10,894
AVALARA INC COM 05338G106 1,664 13,066 SH   SOLE   0 0 13,066
BAXTER INTL INC COM 071813109 616 7,655 SH   SOLE   0 0 7,655
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,099 5,159 SH   SOLE   0 0 5,159
BK OF AMERICA CORP COM 060505104 288 11,971 SH   SOLE   0 0 11,971
BOEING CO COM 097023105 672 4,064 SH   SOLE   0 0 4,064
BRISTOL-MYERS SQUIBB CO COM 110122108 210 3,487 SH   SOLE   0 0 3,487
CATERPILLAR INC DEL COM 149123101 206 1,384 SH   SOLE   0 0 1,384
CHARTER COMMUNICATIONS INC N CL A 16119P108 664 1,064 SH   SOLE   0 0 1,064
CLOROX CO DEL COM 189054109 280 1,330 SH   SOLE   0 0 1,330
COLGATE PALMOLIVE CO COM 194162103 331 4,284 SH   SOLE   0 0 4,284
COMCAST CORP NEW CL A 20030N101 272 5,885 SH   SOLE   0 0 5,885
COSTCO WHSL CORP NEW COM 22160K105 339 955 SH   SOLE   0 0 955
DISNEY WALT CO COM DISNEY 254687106 859 6,927 SH   SOLE   0 0 6,927
EDISON INTL COM 281020107 212 4,174 SH   SOLE   0 0 4,174
EDWARDS LIFESCIENCES CORP COM 28176E108 1,303 16,326 SH   SOLE   0 0 16,326
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 17,549 746,755 SH   SOLE   0 0 746,755
FIRSTENERGY CORP COM 337932107 432 15,058 SH   SOLE   0 0 15,058
FLEXSHARES TR MORNSTAR UPSTR 33939L407 6,077 218,906 SH   SOLE   0 0 218,906
GENERAL DYNAMICS CORP COM 369550108 1,071 7,735 SH   SOLE   0 0 7,735
HOME DEPOT INC COM 437076102 1,631 5,872 SH   SOLE   0 0 5,872
INTEGRA LIFESCIENCES HLDGS C COM NEW 457985208 506 10,724 SH   SOLE   0 0 10,724
INTEL CORP COM 458140100 862 16,642 SH   SOLE   0 0 16,642
INVESCO QQQ TR UNIT SER 1 46090E103 405 1,459 SH   SOLE   0 0 1,459
ISHARES GOLD TRUST ISHARES 464285105 672 37,346 SH   SOLE   0 0 37,346
ISHARES INC CORE MSCI EMKT 46434G103 8,653 163,886 SH   SOLE   0 0 163,886
ISHARES INC EM MKT SM-CP ETF 464286475 1,594 36,406 SH   SOLE   0 0 36,406
ISHARES INC MSCI BRIC INDX 464286657 1,832 39,406 SH   SOLE   0 0 39,406
ISHARES SILVER TR ISHARES 46428Q109 282 13,051 SH   SOLE   0 0 13,051
ISHARES TR RUS MD CP GR ETF 464287481 292 1,690 SH   SOLE   0 0 1,690
ISHARES TR MBS ETF 464288588 396 3,585 SH   SOLE   0 0 3,585
ISHARES TR PFD AND INCM SEC 464288687 372 10,202 SH   SOLE   0 0 10,202
ISHARES TR CRE U S REIT ETF 464288521 7,865 179,824 SH   SOLE   0 0 179,824
ISHARES TR ESG AW MSCI EAFE 46435G516 270 4,250 SH   SOLE   0 0 4,250
ISHARES TR CALIF MUN BD ETF 464288356 10,310 165,248 SH   SOLE   0 0 165,248
ISHARES TR EAFE SML CP ETF 464288273 11,407 193,373 SH   SOLE   0 0 193,373
ISHARES TR JPMORGAN USD EMG 464288281 342 3,082 SH   SOLE   0 0 3,082
ISHARES TR 1 3 YR TREAS BD 464287457 4,114 47,550 SH   SOLE   0 0 47,550
ISHARES TR SP SMCP600VL ETF 464287879 1,701 13,893 SH   SOLE   0 0 13,893
ISHARES TR MSCI EMG MKT ETF 464287234 284 6,443 SH   SOLE   0 0 6,443
ISHARES TR IBOXX HI YD ETF 464288513 690 8,221 SH   SOLE   0 0 8,221
ISHARES TR INTL TREA BD ETF 464288117 1,752 33,140 SH   SOLE   0 0 33,140
ISHARES TR RUS MDCP VAL ETF 464287473 1,488 18,413 SH   SOLE   0 0 18,413
ISHARES TR U.S. REAL ES ETF 464287739 262 3,286 SH   SOLE   0 0 3,286
ISHARES TR MSCI ACWI ETF 464288257 347 4,337 SH   SOLE   0 0 4,337
ISHARES TR CORE S&P SCP ETF 464287804 4,295 61,162 SH   SOLE   0 0 61,162
ISHARES TR TIPS BD ETF 464287176 23,770 187,906 SH   SOLE   0 0 187,906
ISHARES TR CORE MSCI TOTAL 46432F834 300 5,137 SH   SOLE   0 0 5,137
ISHARES TR 0-5 YR TIPS ETF 46429B747 733 7,048 SH   SOLE   0 0 7,048
ISHARES TR CORE US AGGBD ET 464287226 4,152 35,169 SH   SOLE   0 0 35,169
ISHARES TR ESG AWR US AGRGT 46435U549 406 7,197 SH   SOLE   0 0 7,197
ISHARES TR MSCI EAFE ETF 464287465 584 9,182 SH   SOLE   0 0 9,182
ISHARES TR NORTH AMERN NAT 464287374 2,564 129,489 SH   SOLE   0 0 129,489
ISHARES TR CORE S&P500 ETF 464287200 3,119 9,281 SH   SOLE   0 0 9,281
ISHARES TR CORE INTL AGGR 46435G672 19,872 357,027 SH   SOLE   0 0 357,027
ISHARES TR CORE S&P MCP ETF 464287507 5,430 29,300 SH   SOLE   0 0 29,300
ISHARES TR RUS 1000 VAL ETF 464287598 511 4,330 SH   SOLE   0 0 4,330
ISHARES TR RUSSELL 3000 ETF 464287689 765 3,907 SH   SOLE   0 0 3,907
ISHARES TR CORE S&P US VLU 464287663 530 9,763 SH   SOLE   0 0 9,763
ISHARES TR ISHS 1-5YR INVS 464288646 4,410 80,313 SH   SOLE   0 0 80,313
ISHARES TR CORE MSCI EAFE 46432F842 38,862 644,691 SH   SOLE   0 0 644,691
ISHARES TR RUS 1000 GRW ETF 464287614 1,412 6,510 SH   SOLE   0 0 6,510
ISHARES TR S&P 500 VAL ETF 464287408 8,316 73,956 SH   SOLE   0 0 73,956
ISHARES TR CORE S&P TTL STK 464287150 34,492 456,909 SH   SOLE   0 0 456,909
ISHARES TR S&P MC 400VL ETF 464287705 2,326 17,251 SH   SOLE   0 0 17,251
JOHNSON & JOHNSON COM 478160104 960 6,451 SH   SOLE   0 0 6,451
JPMORGAN CHASE & CO COM 46625H100 220 2,289 SH   SOLE   0 0 2,289
LEIDOS HOLDINGS INC COM 525327102 612 6,863 SH   SOLE   0 0 6,863
LILLY ELI & CO COM 532457108 372 2,512 SH   SOLE   0 0 2,512
LOCKHEED MARTIN CORP COM 539830109 980 2,558 SH   SOLE   0 0 2,558
MCDONALDS CORP COM 580135101 387 1,761 SH   SOLE   0 0 1,761
MERCK & CO. INC COM 58933Y105 1,620 19,531 SH   SOLE   0 0 19,531
MICROSOFT CORP COM 594918104 2,232 10,614 SH   SOLE   0 0 10,614
MVB FINL CORP COM 553810102 1,355 84,824 SH   SOLE   0 0 84,824
NETFLIX INC COM 64110L106 214 427 SH   SOLE   0 0 427
NORTHROP GRUMMAN CORP COM 666807102 341 1,080 SH   SOLE   0 0 1,080
NVIDIA CORPORATION COM 67066G104 266 491 SH   SOLE   0 0 491
PEPSICO INC COM 713448108 299 2,154 SH   SOLE   0 0 2,154
PERKINELMER INC COM 714046109 631 5,025 SH   SOLE   0 0 5,025
PFIZER INC COM 717081103 890 24,255 SH   SOLE   0 0 24,255
PHILIP MORRIS INTL INC COM 718172109 275 3,672 SH   SOLE   0 0 3,672
PIMCO CALIF MUN INCOME FD II COM 72200M108 181 19,387 SH   SOLE   0 0 19,387
PNC FINL SVCS GROUP INC COM 693475105 445 4,050 SH   SOLE   0 0 4,050
PPL CORP COM 69351T106 288 10,580 SH   SOLE   0 0 10,580
PROCTER AND GAMBLE CO COM 742718109 286 2,055 SH   SOLE   0 0 2,055
QUALCOMM INC COM 747525103 1,627 13,825 SH   SOLE   0 0 13,825
RAYTHEON TECHNOLOGIES CORP COM 75513E101 244 4,245 SH   SOLE   0 0 4,245
SCHWAB STRATEGIC TR US TIPS ETF 808524870 9,392 152,400 SH   SOLE   0 0 152,400
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,029 72,614 SH   SOLE   0 0 72,614
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,327 44,581 SH   SOLE   0 0 44,581
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 229 3,354 SH   SOLE   0 0 3,354
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 724 12,910 SH   SOLE   0 0 12,910
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 907 11,394 SH   SOLE   0 0 11,394
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 632 23,608 SH   SOLE   0 0 23,608
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 660 12,808 SH   SOLE   0 0 12,808
SCHWAB STRATEGIC TR US REIT ETF 808524847 961 27,165 SH   SOLE   0 0 27,165
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,667 116,782 SH   SOLE   0 0 116,782
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 17,776 546,437 SH   SOLE   0 0 546,437
SCIENCE APPLICATIONS INTL CO COM 808625107 348 4,433 SH   SOLE   0 0 4,433
SEMPRA ENERGY COM 816851109 2,507 21,177 SH   SOLE   0 0 21,177
SERVICENOW INC COM 81762P102 229 472 SH   SOLE   0 0 472
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 11,678 399,112 SH   SOLE   0 0 399,112
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 5,798 158,579 SH   SOLE   0 0 158,579
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 42,089 1,120,889 SH   SOLE   0 0 1,120,889
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,621 36,535 SH   SOLE   0 0 36,535
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 4,936 162,572 SH   SOLE   0 0 162,572
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,823 23,361 SH   SOLE   0 0 23,361
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,174 27,055 SH   SOLE   0 0 27,055
SPDR SER TR BLOMBERG INTL TR 78464A516 4,952 166,886 SH   SOLE   0 0 166,886
SPDR SER TR PORTFOLI S&P1500 78464A805 17,696 432,765 SH   SOLE   0 0 432,765
SPDR SER TR PORTFLI TIPS ETF 78464A656 43,689 1,415,264 SH   SOLE   0 0 1,415,264
SPDR SER TR FTSE INT GVT ETF 78464A490 244 4,504 SH   SOLE   0 0 4,504
SPDR SER TR PRTFLO S&P500 VL 78464A508 17,228 570,449 SH   SOLE   0 0 570,449
SPDR SER TR PORTFOLIO AGRGTE 78464A649 7,452 241,868 SH   SOLE   0 0 241,868
SPDR SER TR PORTFOLIO S&P400 78464A847 5,331 163,366 SH   SOLE   0 0 163,366
SPDR SER TR PORTFOLIO S&P600 78468R853 14,005 511,499 SH   SOLE   0 0 511,499
SPDR SER TR PRTFLO S&P500 GW 78464A409 524 10,457 SH   SOLE   0 0 10,457
SPDR SER TR S&P 400 MDCP GRW 78464A821 801 13,960 SH   SOLE   0 0 13,960
TESLA INC COM 88160R101 1,077 2,510 SH   SOLE   0 0 2,510
THERMO FISHER SCIENTIFIC INC COM 883556102 231 523 SH   SOLE   0 0 523
UNITED PARCEL SERVICE INC CL B 911312106 2,450 14,702 SH   SOLE   0 0 14,702
UNITEDHEALTH GROUP INC COM 91324P102 625 2,005 SH   SOLE   0 0 2,005
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 9,546 108,211 SH   SOLE   0 0 108,211
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 6,992 120,172 SH   SOLE   0 0 120,172
VANGUARD INDEX FDS SM CP VAL ETF 922908611 879 7,945 SH   SOLE   0 0 7,945
VANGUARD INDEX FDS MID CAP ETF 922908629 16,787 95,238 SH   SOLE   0 0 95,238
VANGUARD INDEX FDS LARGE CAP ETF 922908637 527 3,366 SH   SOLE   0 0 3,366
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 288 2,220 SH   SOLE   0 0 2,220
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,359 43,004 SH   SOLE   0 0 43,004
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,372 41,429 SH   SOLE   0 0 41,429
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,022 5,674 SH   SOLE   0 0 5,674
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 45,984 582,369 SH   SOLE   0 0 582,369
VANGUARD INDEX FDS TOTAL STK MKT 922908769 21,837 128,219 SH   SOLE   0 0 128,219
VANGUARD INDEX FDS VALUE ETF 922908744 11,282 107,952 SH   SOLE   0 0 107,952
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,896 18,008 SH   SOLE   0 0 18,008
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 16,751 387,405 SH   SOLE   0 0 387,405
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,716 93,473 SH   SOLE   0 0 93,473
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 2,404 38,722 SH   SOLE   0 0 38,722
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 18,397 449,814 SH   SOLE   0 0 449,814
VISA INC COM CL A 92826C839 317 1,586 SH   SOLE   0 0 1,586
WALMART INC COM 931142103 311 2,222 SH   SOLE   0 0 2,222